Minnesota Sample Letter for Erroneous Information on Credit Report

• Category: Letters - Nonlegal - Credit
• State: Multi-State
• Control #: US-0162LR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Dear [Credit Bureau], I am writing to dispute erroneous information that has been reported on my credit report. Upon reviewing my credit report, I have noticed several inaccuracies regarding my Minnesota credit history. I intend to rectify these errors as they are negatively impacting my creditworthiness and financial well-being. Firstly, it has come to my attention that there is an unauthorized account listed under my name. The account with reference number [Account Number] belongs to [Creditor's Name] and, to the best of my knowledge, I have never had an account with them. This inclusion is absolutely erroneous, and I request its immediate removal from my credit report. Furthermore, I have observed a discrepancy in the payment history of my [Loan/Credit Card]. According to my records, I have consistently made on-time payments for the past [Number of Years]. However, your report indicates several late payments throughout the year [Year]. I have attached copies of my bank statements and payment receipts as evidence to support my claim. I kindly request you to investigate this matter thoroughly and correct this inaccurate information promptly. Additionally, there is an outdated public record listed on my credit report. The [Type of Public Record], dated [Date], is no longer valid and should have been removed from my credit report as per the time limitations imposed by the State of Minnesota. Please update your records accordingly and remove this outdated information. In accordance with the Fair Credit Reporting Act (FCRA), I request that you investigate these errors and provide a written response acknowledging the receipt of this dispute letter within 30 days. Furthermore, I would greatly appreciate if you could provide me with an updated credit report reflecting the necessary corrections after completing your investigation. Please note that the inclusion of these erroneous items is not only damaging my creditworthiness but also jeopardizing my ability to secure favorable terms on future credit applications, loans, or mortgages. I firmly believe that the removal of these inaccuracies will restore the accuracy and integrity of my credit report, enabling me to pursue my financial goals unhindered. Thank you for your attention to this matter. I expect a prompt and thorough investigation into the disputed items on my credit report. Should you require any further documentation or information, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Sincerely, [Your Name] [Your Address] [City, State, Zip] [Social Security Number] (if applicable)

Dear [Credit Bureau], I am writing to dispute erroneous information that has been reported on my credit report. Upon reviewing my credit report, I have noticed several inaccuracies regarding my Minnesota credit history. I intend to rectify these errors as they are negatively impacting my creditworthiness and financial well-being. Firstly, it has come to my attention that there is an unauthorized account listed under my name. The account with reference number [Account Number] belongs to [Creditor's Name] and, to the best of my knowledge, I have never had an account with them. This inclusion is absolutely erroneous, and I request its immediate removal from my credit report. Furthermore, I have observed a discrepancy in the payment history of my [Loan/Credit Card]. According to my records, I have consistently made on-time payments for the past [Number of Years]. However, your report indicates several late payments throughout the year [Year]. I have attached copies of my bank statements and payment receipts as evidence to support my claim. I kindly request you to investigate this matter thoroughly and correct this inaccurate information promptly. Additionally, there is an outdated public record listed on my credit report. The [Type of Public Record], dated [Date], is no longer valid and should have been removed from my credit report as per the time limitations imposed by the State of Minnesota. Please update your records accordingly and remove this outdated information. In accordance with the Fair Credit Reporting Act (FCRA), I request that you investigate these errors and provide a written response acknowledging the receipt of this dispute letter within 30 days. Furthermore, I would greatly appreciate if you could provide me with an updated credit report reflecting the necessary corrections after completing your investigation. Please note that the inclusion of these erroneous items is not only damaging my creditworthiness but also jeopardizing my ability to secure favorable terms on future credit applications, loans, or mortgages. I firmly believe that the removal of these inaccuracies will restore the accuracy and integrity of my credit report, enabling me to pursue my financial goals unhindered. Thank you for your attention to this matter. I expect a prompt and thorough investigation into the disputed items on my credit report. Should you require any further documentation or information, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Sincerely, [Your Name] [Your Address] [City, State, Zip] [Social Security Number] (if applicable)